Call reports 2018
UNITED ORIENT BANK — 2018
What UNITED ORIENT BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 96,332,000 | 96,799,000 | 92,784,000 | 91,208,000 |
| Total loans | 86,636,000 | 84,586,000 | 80,345,000 | 79,482,000 |
| Allowance for loan losses | 992,000 | 992,000 | 992,000 | 1,027,000 |
| Securities available for sale | 1,986,000 | 1,982,000 | 1,958,000 | 1,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,944,000 | 75,245,000 | 73,029,000 | 72,408,000 |
| Interest-bearing deposits | 47,252,000 | 53,653,000 | 52,450,000 | 53,156,000 |
| Noninterest-bearing deposits | 23,692,000 | 21,592,000 | 20,579,000 | 19,252,000 |
| Equity capital | 12,784,000 | 12,985,000 | 13,135,000 | 13,348,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,402,000 | 2,846,000 | 4,258,000 | 5,632,000 |
| Interest expense | 115,000 | 229,000 | 344,000 | 456,000 |
| Net interest income | 1,287,000 | 2,617,000 | 3,914,000 | 5,176,000 |
| Noninterest income | 41,000 | 89,000 | 130,000 | 172,000 |
| Noninterest expense | 1,085,000 | 2,143,000 | 3,236,000 | 4,404,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 243,000 | 563,000 | 808,000 | 944,000 |
| Income tax | 74,000 | 191,000 | 285,000 | 219,000 |
| Net income | 169,000 | 372,000 | 523,000 | 725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,784,000 | 13,016,000 | 13,167,000 | 13,369,000 |
| Total capital | 13,766,000 | 13,974,000 | 14,073,000 | 14,267,000 |
| Risk-weighted assets | 78,494,000 | 76,555,000 | 72,324,000 | 71,593,000 |